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Online Banking

Flexible banking day or night.

The freedom and flexibility to bank whenever you need to, from wherever you are.

Online Banking is responsive and resizes to suit each device. Be it a desktop, tablet or phone, you have the flexibility of banking at a time and place that suits you. Our security precautions mean your money is kept safe.

The service is available to personal customers (aged 12 and over), personal business customers and partnerships. Once registered for Online Banking, you can also use our Mobile and Phoneline Banking services.

Please note, Online Services may be unavailable between 3:00am and 7:00am daily due to essential maintenance.

Features and benefits

Easy to use service that is safe, secure and convenient

First Trust Bank Online Banking is an easy, simple and convenient way to manage your finances.

Upon registration, you will be issued with two sets of secure numbers, an eight digit registration number and a five digit Personal Access Code (PAC). You can change your PAC to make it easier to remember.

Once the service is activated, you can access our Online, Mobile and Phoneline Banking Services by using these secure numbers.

You will be asked to input your registration number, three random digits of your PAC and a third piece of personal information to confirm your identity before you will be allowed to view your accounts and complete simple transactions.

Encrypted

Website

To ensure you can access your accounts over the Internet with the utmost confidence, we use the highest levels of industry standard security. We use 128-bit Secure Socket Layer (SSL) encryption to protect your information.

Extended

Security

As an additional layer of security, for some of our services, you will be required to validate these transactions with either a card reader (if you hold a First Trust Visa debit card) or code card (if you do not hold a First Trust Bank Visa debit card).

We understand how important the security and confidentiality of your information is to you. Your security is our highest priority. For added piece of mind visit our Security Centre on www.firsttrustbank.co.uk/securitycentre which provides tips on how to stay safe online.

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View your account balances and transactions

With our service you can keep on top of your finances by:

Viewing your account balance and seeing what is available for you to withdraw or transfer. This will include your overdraft (if you have arranged one)

Viewing your recent transactions and searching by account or name on:

Up to 100 transactions on Current accounts

Up to 50 transactions on Deposit accounts

Up to 22 transactions on Credit Card accounts

Viewing any pending Visa debit card transactions (those which you have made but have not yet been taken from your account) including the retailers name.

Confirming whether a cheque you have written has been presented

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Transfer money or pay bills within the UK

Make payments and move money at a time and place that suits you. You can:

Transfer money between your own accounts and to any bank or building society account in the UK.

Pay bills to a list of up to 2,000 companies. You can even select a payment date up to 28 days in advance.

Choose to make these payments on a one-off basis, or for convenience you can save these bill and account details if you plan to pay to them on a regular basis.

If you plan to transfer money to another bank or building society, or pay any credit card, store card or finance bills, you will require a card reader or code card.

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Apply for a Fixed Rate Personal Loan and Overdraft

You can apply for a Fixed Rate Personal Loan and you can apply for an Overdraft facility on your Plus, Classic or Premier Current account. We aim to decision your application within 3 business hours*.

*Our business hours are Monday to Friday from 9am to 5pm, excluding bank holidays. Although we aim to provide you with a decision within 3 business hours, this period may be extended for technical or other legitimate reasons.

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Open a savings account

You can now open a new Regular Saver Account online – it’s quick and easy.

This is an account designed especially for regular savers which allows you to save what you want, when you want, and how you want. So if flexibility is important to you, then this account may fit the bill.

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Manage your regular payments and direct debits

Dependant on the account type you hold, you can:

Set up, amend or cancel standing orders (regular payments). You can also view the details of your current active or any cancelled regular payments.

Cancel your direct debits. You can also view the details of your current active direct debits and of any direct debits you have cancelled within the last 6 months.

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Manage your First Trust Bank credit card account

If you hold a personal credit card account with us, you can add this to Online Banking so that you can view your transactions and bill details.

There is also an extensive list of self-service options available. You can:

Order a PIN reminder

Order a replacement card

Change your credit card address

Request a credit limit increase or decrease

Set up an authorised user on your account

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Manage your First Trust Bank Visa debit card

Order a PIN reminder

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Manage your Fixed Rate Saver account

If you hold a Fixed Rate Saver account with us, you can manage your account with Online Banking. You can:

Amend Maturity Instruction

Add Funds – funds can only be lodged during specific periods*

View Fixed Rate Saver account details

*Funds can only be added to your Fixed Rate Saver account during the initial account opening period, two days from account opening and when the account is in the pre-maturity window, five business days before the maturity date.

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Manage your Regular Saver Account

If you have a Regular Saver Account with us, you can manage your account through Online Banking. You can:

View or Amend Savings Payment

Close your account

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Go paperless with eStatements

An eStatement is an electronic version of your printed bank account or credit card statement. eStatements will be available online for up to seven years for bank accounts. You will be able to view your Credit Card eStatements issued on or after 6 November 2014 for up to seven years, and/or you can download and save these on your computer or device if you prefer.

If you pay any monthly or service fees on your personal account, this will also be included with your eStatement.

If you require a recent paper statement on your account, you can print your eStatement, or alternatively you can order a statement to be posted.

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Update ‘My Details’

You can now view and update your telephone numbers and email address at any time through Online Banking. You will need your Card Reader or Code Card to update your telephone numbers.

If the address we hold for you is incorrect, please call Phoneline Banking on 0345 793 0000†, log in and press zero (0) to speak to a Customer Service Adviser. Our advisers are available between 8am and 12am (Midnight), 7 days a week and will be happy to change your address. You will need your Card Reader or Code Card to complete this process.

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Send a Secure Message

Secure Messaging allows you to conveniently and securely send a query to the Bank.

We will respond to your query within 24 hours (9am to 5pm, Monday to Friday, excluding bank holidays).

How to register

To get started has never been easier. You can register now and start to use the service within a few minutes.

Simply call Phoneline Banking on0345 793 0000†, press hash (#) and one of our Customer Service Advisers will be happy to help you. Our advisers are available between 8am and 12am (Midnight), 7 days a week and will register you and activate the service for you while you are on the phone.

They will also talk you through how to use the service and order you a card reader or code card if you plan to complete transactions or services that require these.

Alternatively, you can download and complete the paper application and post this to your local branch. Once your form has been received and validated, your registration details will be sent to you.

Important information

Transaction limits and payment cut-off times

First Trust Bank Online Banking is available from 7am until 3am 365 days a year for you to manage your finances.

There are however cut off times and transaction limits that apply to any value transactions that you are sending, setting up or cancelling.

Payments made after the daily cut-off time may take an additional banking day to be received by the recipient. This information will be displayed at the bottom of each payment screen. See the below links for more information:

Joint account holders and personal business partnerships

Customers who hold joint accounts should be aware that all account holders are jointly and severally liable for all transactions carried out on their accounts through Online Services.

If your joint account was set up so that any one of you can sign solely to complete transactions, then full access will be granted and you will be able to complete value transactions on this account through Online Services.

If your joint account was set up that all or more than one of you must sign or give authority to complete transactions, you will only be allowed to use Online Services for transactions which do not involve any value, for example checking your balance. You will not be able to carry out transactions such as transferring money or paying bills.

Cash ISA account holders

Customers who hold a Cash ISA account will not be able to transfer funds into this account online. Lodgements can only be made at a First Trust Bank branch.

If you need to withdraw money from your Cash ISA account online, you can do so provided you have made a lodgement to the account in the previous or current tax year. If this is not the case you will need to visit a First Trust Bank branch to make this withdrawal.

Talk to us

Simply call Phoneline Banking on 0345 793 0000† log in and choose option zero (0) and one of our Customer Service Advisers will be happy to help you. Our advisers are available between 8am and 12am (Midnight), 7 days a week.

IMPORTANT: Before entering this site please take time to read our Site Legal Notice and Privacy Statement. By proceeding further you are deemed to have read and accepted our Site Legal Notice and Privacy Statement.